Rates & fees
Typical product ranges on this website: loan amounts $100–$5,000, terms 3–24 months, APR 5.99%–35.99%. Actual offers, terms and costs depend on the third-party lender and your eligibility.
Typical terms
APR range
Example payment illustrations
The examples below are illustrative only and do not represent an offer. A lender’s disclosures will control. APR used in examples: 19.99% (mid-range). Payments are estimates.
| Amount | Term | APR (example) | Estimated monthly payment | Estimated total repaid |
|---|---|---|---|---|
| $500 | 12 months | 19.99% | $46.26 | $555.12 |
| $2,000 | 18 months | 19.99% | $127.35 | $2,292.30 |
| $5,000 | 24 months | 19.99% | $254.44 | $6,106.56 |
Tip: APR reflects the annualized cost of credit. When comparing, focus on APR, fees, and total of payments—not just the monthly payment.
Fees and charges
Third-party lenders may charge fees permitted by law and disclosed in your agreement. Common fee types may include origination fees, late fees, returned-payment fees, and optional expedited funding fees (where offered). Not every lender charges every fee; you must review lender disclosures for the full schedule of charges.
- Origination fee: a fee charged by some lenders for processing the loan (may be deducted from proceeds).
- Late fee: charged if a payment is not made by the due date (amount and grace period vary).
- Returned payment fee: charged if an ACH/debit payment is returned or fails.
- Prepayment: some lenders do not charge a penalty; confirm in your agreement.
APR tips
APR is the best single number for comparing loan costs because it includes interest and certain fees. When reviewing an offer:
- Compare APR across lenders on the same amount/term.
- Ask how fees impact APR and the amount you receive.
- Review the total of payments and the payment schedule.
- Only borrow what you can afford to repay on time.